BNP Paribas Fortis Factor
BNP Paribas Fortis Factor is a Belgian factoring subsidiary of BNP Paribas Fortis, holding roughly 40% domestic market share and serving 1,600 customers from startups to multinationals with invoice financing, credit insurance brokerage, and international factoring solutions across 15 countries.
- Company typePrivate
- Founded1965
- HeadquartersTurnhout, Belgium
- Headcount101–250
- GTM typeB2B
- OfferingServices
What BNP Paribas Fortis Factor does
BNP Paribas Fortis Factor N.V. is a Belgian factoring company founded in 1965 and headquartered in Turnhout, operating as a wholly-owned subsidiary of BNP Paribas Fortis within the BNP Paribas Group. It is the undisputed leader in Belgian factoring with an estimated 40% domestic market share, serving approximately 1,600 customers that range from startups and freelancers to large multinationals. The company processes roughly 11 million invoices per year with a combined face value of €57 billion, supported by more than 200 employees across offices in Turnhout, Leuven, Brussels, and Amsterdam.
The core product is Tailormade Factoring, a flexible invoice-financing solution that advances 75-85% of invoice value upfront with the balance paid on customer settlement, and that can be bundled with credit protection covering up to 100% of outstanding invoices. This is complemented by Easy2Cash, an all-in digital subscription product targeting SMBs and freelancers with turnover below €3 million, a credit insurance brokerage module (Kredietverzekering) sourced from multiple insurers, and Specific Factoring Solutions covering dealer-network financing and off-balance-sheet financing. The Client Manager portal provides online self-service for invoice management and tracking. For international clients, Multi-Local Factoring serves decentralized European organizations while Pan-European Factoring delivers a centralized solution through BNP Paribas Factoring entities across 15 countries.
BNP Paribas Fortis Factor runs a sales-led go-to-market with dedicated relationship managers (Client Managers) handling enterprise clients, supplemented by self-service digital acquisition for the Easy2Cash SMB product and referrals from the BNP Paribas Fortis bank branch network. Revenue is generated from a blend of transactional interest on financed invoices, recurring monthly fees for Easy2Cash, and brokerage commissions on credit insurance. The company is recognized as a Great Place to Work (2024 and 2025), reports an NPS of 38, and is FSMA-registered as a non-life insurance broker. Distribution and capital backing are anchored in the BNP Paribas Group, which underwrites both the company's balance-sheet capacity and its cross-border reach.
BNP Paribas Fortis Factor firmographics
Firmographics- Name
- BNP Paribas Fortis Factor
- Legal name
- BNP Paribas Fortis Factor N.V.
- Website
- https://factor.bnpparibasfortis.be
- Company type
- Private
- Founded year
- 1965
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- BNP Paribas Fortis Factor is a Belgian factoring subsidiary of BNP Paribas Fortis, holding roughly 40% domestic market share and serving 1,600 customers from startups to multinationals with invoice financing, credit insurance brokerage, and international factoring solutions across 15 countries.
- Ownership category
- akta.pro rank
BNP Paribas Fortis Factor industry classification
Industry- Product category
- Factoring Services
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ)
- akta.pro secondary industry
- Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)
Keywords
Where BNP Paribas Fortis Factor is headquartered
LocationHeadquarters
- HQ city
- Turnhout
- HQ country
- Belgium
- HQ region
- Europe
Offices4 records
Markets served
BNP Paribas Fortis Factor business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Invoice Financing Interest: Interest charged on financed invoice amounts. Upon sending an invoice, the factoring company can advance up to 85% of the invoice value. The company takes over the collection and follow-up of invoices.
- Credit Protection/Credit Insurance: Commission fees for credit insurance brokerage services, helping clients hedge against non-payment risks up to 100% of outstanding invoices
- Easy2Cash Monthly Fee: All-in factoring product for SMBs and entrepreneurs with turnover below 3 million euros, offered as a monthly flat fee including financing, credit insurance, and invoice follow-up
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Easy2Cash - All-in solution for SMBs and freelancers with turnover under 3 million euros |
| Transaction based/ take rate | Pay-as-you-go | Tailormade Factoring - Customized solutions for larger enterprises |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
BNP Paribas Fortis Factor product offering
Product offeringCore offering
BNP Paribas Fortis Factor provides B2B factoring services, financing up to 85% of invoice values upfront, taking over invoice collection and follow-up, and offering credit insurance brokerage up to 100% against non-payment. The company serves Belgian SMEs via its Easy2Cash digital subscription product and larger enterprises via Tailormade Factoring, Specific Factoring Solutions, and Multi-Local/Pan-European Factoring offerings across 12 European countries.
Product overview
BNP Paribas Fortis Factor operates as a factoring services provider with a portfolio of interconnected products. The core offering is Tailormade Factoring, a flexible invoice financing solution that provides working capital against commercial receivables. This is complemented by Easy2Cash, a digital all-in factoring product for SMEs and freelancers under 3 million euros turnover. Additional offerings include credit insurance brokerage (Kredietverzekering) and specific factoring solutions such as dealer network financing and off-balance sheet financing. The Client Manager portal provides online customer access. For international clients, Multi-Local Factoring serves decentralized European organizations while Pan-European Factoring supports centralized multinational structures. The product architecture combines core financing services with digital access tools, risk protection products, and specialized international solutions.
Differentiator
Problem solved
Functional benefit
Brands
- Easy2Cash: Digital factoring solution for SMEs and freelancers with turnover lower than 3 million euros, including financing, credit insurance and invoice monitoring for a monthly fee.
- Tailormade Factoring
- Client Manager
Products and services
- Easy2Cash All-in digital factoring product designed for SMEs and freelancers active in a B2B environment with turnover below €3 million, encompassing financing, credit insurance, and invoice monitoring for a monthly flat fee.
- Tailormade Factoring Flexible invoice financing solution where BNP Paribas Fortis Factor finances outgoing invoices, typically advancing 75-85% of the invoice amount upfront with the balance paid upon customer payment, with optional credit protection against non-payment.
- Kredietverzekering (Credit Insurance) Credit insurance brokerage service that researches available credit insurance solutions in the market based on customer needs, provides independent advice on analysis and quotes from insurers, and helps select and place the policy.
- Specifieke Factoroplossingen (Specific Factoring Solutions) Custom factoring formulas including dealer network financing and off-balance sheet financing for balance sheet optimization, with solutions for foreign customers and international activities.
- Multi-Local Factoring Uniform cross-border service package developed for internationally organized companies present in various European countries with decentralized organizations, delivered in cooperation with local BNP Paribas Factoring entities.
- Pan-European Factoring Centralized factoring solution for internationally organized companies present in various European countries with a centralized organization, providing one global solution for all foreign subsidiaries through a single point of contact.
Quantifiable outcome
- Up to 85% of invoice value advanced immediately upon invoice submission
- +3 more outcomes
Companies that use BNP Paribas Fortis Factor
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles3 records
BNP Paribas Fortis Factor technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
BNP Paribas Fortis Factor partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor.
- AtradiusminorCredit insurer partnership for credit insurance brokerage services. BNP Paribas Fortis Factor acts as recognized broker bringing together clients with major credit insurers.
- CofaceminorCredit insurer partnership for credit insurance brokerage services.
- CredendominorCredit insurer partnership for credit insurance brokerage services.
- Euler HermesminorCredit insurer partnership for credit insurance brokerage services.
- GroupamaminorCredit insurer partnership for credit insurance brokerage services.
Scale indicators7 records
Recent moves9 records
Expansion highlights6 records
BNP Paribas Fortis Factor competitors and assessment
Company assessmentOthers
- Atradius: Atradius is a major credit insurance partner of BNP Paribas Fortis Factor and a leading European trade credit insurer; while not a direct factoring competitor, its products are distributed through BNP Paribas Fortis Factor's brokerage.
- Euler Hermes: Euler Hermes is a credit insurance partner of BNP Paribas Fortis Factor and a global trade credit insurer; comparability arises from joint product distribution and shared customer base in B2B receivables protection.
Emerging players
- Coface: Coface is a global credit insurer that also offers factoring and B2B receivables management, overlapping with both the credit insurance brokerage and financing activities of BNP Paribas Fortis Factor.
- Billie: Billie is a Berlin-based B2B BNPL and invoice financing fintech offering digital pay-later solutions to SMBs across Europe; comparable as an emerging digital alternative targeting the same Easy2Cash segment of BNP Paribas Fortis Factor.
Direct peers
- Bibby Financial Services: Bibby is a leading European SMB-focused invoice financier offering factoring and invoice discounting across multiple countries, closely comparable to the Easy2Cash SMB offering of BNP Paribas Fortis Factor.
- ING Commercial Finance: ING's factoring and receivables financing arm competes directly with BNP Paribas Fortis Factor in Belgium and across Europe, offering similar invoice financing, credit management, and international multi-local solutions to mid-market and enterprise clients.
- KBC Bank: KBC is a major Belgian bank offering factoring and receivables financing solutions to Belgian SMBs and corporate clients, directly competing with BNP Paribas Fortis Factor in its home market.
Broad incumbents
- UniCredit Factoring: UniCredit operates a factoring network across multiple European countries, comparable to the BNP Paribas Factoring multi-local and pan-European structure serving internationally active corporate clients.
- Deutsche Bank Factoring Solutions: Deutsche Bank provides factoring and trade finance solutions across Europe, comparable in scale and international scope to BNP Paribas Fortis Factor's multi-local and pan-European capabilities.
- HSBC Invoice Finance: HSBC offers invoice financing and receivables solutions as part of its broader global commercial banking franchise, competing for international and enterprise receivables financing mandates similar to BNP Paribas Fortis Factor's Pan-European offering.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
BNP Paribas Fortis Factor social profiles
Digital presenceBNP Paribas Fortis Factor compliance and trust
Trust signalCompliance1 record
BNP Paribas Fortis Factor financial estimates
Financial estimateRevenue estimate
Valuation estimate
BNP Paribas Fortis Factor leadership team
Management profileNumber of profiles
Profiles12 records
BNP Paribas Fortis Factor funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BNP Paribas Fortis Factor M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BNP Paribas Fortis Factor
What does BNP Paribas Fortis Factor do?
BNP Paribas Fortis Factor provides B2B factoring services, financing up to 85% of invoice values upfront, taking over invoice collection and follow-up, and offering credit insurance brokerage up to 100% against non-payment. The company serves Belgian SMEs via its Easy2Cash digital subscription product and larger enterprises via Tailormade Factoring, Specific Factoring Solutions, and Multi-Local/Pan-European Factoring offerings across 12 European countries.
Is BNP Paribas Fortis Factor a public or private company?
BNP Paribas Fortis Factor is a private company. It is classified as corporate owned and is currently operating.
When was BNP Paribas Fortis Factor founded?
BNP Paribas Fortis Factor was founded in 1965. It employs 101 to 250 people.
Where is BNP Paribas Fortis Factor based?
BNP Paribas Fortis Factor is headquartered in Turnhout, Belgium, in the Europe region.
How does BNP Paribas Fortis Factor make money?
Three revenue lines are on record. Invoice Financing Interest is the primary driver. The others are credit Protection/Credit Insurance and easy2Cash Monthly Fee.
Who are BNP Paribas Fortis Factor's main competitors?
Others on record are Atradius and Euler Hermes. Emerging players are Coface and Billie. Direct peers are Bibby Financial Services, ING Commercial Finance and KBC Bank. Broad incumbents are UniCredit Factoring, Deutsche Bank Factoring Solutions and HSBC Invoice Finance.
Does BNP Paribas Fortis Factor have an API?
No public API is recorded for BNP Paribas Fortis Factor.
What industry is BNP Paribas Fortis Factor in?
BNP Paribas Fortis Factor's product category is Factoring Services. Its primary akta.pro industry code is FSAKACAJ, B2B BNPL (Invoice Split/Net Terms for SMB Procurement), with a secondary code of BPAMAFAG, Buy Now, Pay Later (BNPL) Platforms. Its NAICS code is 52222 and its SIC code is 6153.